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Long-term disability insurance plans: Maximum benefit amounts Data Table

Table 20. Long-term disability insurance plans: Maximum benefit amounts, civilian workers,1 National
Compensation Survey, March 2008

(All workers participating in fixed percent of earnings long-term disabilty insurance plans = 100 percent)

Characteristics

No
maximum
benefit
amount

With
maximum
benefit
amount

Maximum benefit amount2

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

24

76

$3,000

$5,000

$6,000

$10,000

$15,000

Worker characteristics

             

Management, professional, and related

24

76

3,000

5,000

7,000

10,000

15,000

    Management, business, and financial

21

79

4,000

5,000

10,000

10,000

15,000

    Professional and related

25

75

3,000

5,000

6,000

10,000

15,000

        Teachers

32

68

2,000

3,900

5,000

6,500

10,000

            Primary, secondary, and special education
             school teachers

41

59

1,000

3,500

5,000

6,000

7,000

        Registered nurses

17

83

3,000

5,000

6,600

10,000

15,000

Service

24

76

2,500

5,000

5,000

10,000

10,000

Sales and office

19

81

3,000

5,000

7,000

10,000

15,000

    Sales and related

15

85

3,000

4,167

6,667

10,000

15,000

    Office and administrative support

20

80

3,000

5,000

7,500

10,000

15,000

Natural resources, construction, and maintenance

26

74

3,000

4,000

5,000

10,000

13,000

    Construction, extraction, farming, fishing, and
     forestry

27

73

2,917

5,000

5,000

10,000

13,000

    Installation, maintenance, and repair

25

75

3,399

4,000

5,000

10,000

15,000

Production, transportation, and material moving

30

70

2,000

5,000

6,000

10,000

15,000

    Production

25

75

2,500

5,000

6,000

10,000

15,000

    Transportation and material moving

36

64

2,000

4,000

5,000

7,500

10,000

Full time

23

77

3,000

5,000

6,000

10,000

15,000

Part time

36

64

3,000

4,800

5,000

10,000

10,000

Union

33

67

2,000

4,000

5,000

6,000

10,000

Nonunion

22

78

3,000

5,000

7,000

10,000

15,000

Establishment characteristics

             

Goods-producing industries

23

77

$2,917

$5,000

$7,000

$10,000

$15,000

Service-providing industries

24

76

3,000

5,000

6,000

10,000

15,000

    Education and health services

23

77

2,500

5,000

5,000

10,000

10,000

        Educational services

30

70

2,000

3,900

5,000

6,667

10,000

            Elementary and secondary schools

37

63

1,000

3,000

5,000

6,000

7,500

            Junior colleges, colleges, and universities

18

82

3,333

5,000

6,000

10,000

12,000

        Health care and social assistance

17

83

3,000

5,000

6,000

10,000

10,500

            Hospitals

16

84

3,000

5,000

7,500

10,000

15,000

    Public administration

37

63

2,000

3,000

5,000

6,000

10,000

1 to 99 workers

21

79

3,000

5,000

6,000

10,000

10,000

    1 to 49 workers

20

80

3,000

5,000

6,000

10,000

12,000

    50 to 99 workers

22

78

3,000

4,500

5,000

8,000

10,000

100 workers or more

25

75

3,000

5,000

7,000

10,000

15,000

    100 to 499 workers

22

78

3,000

5,000

6,000

10,000

15,000

    500 workers or more

26

74

3,000

5,000

7,500

10,000

15,000

Geographic areas

             

New England

24

76

3,100

5,000

7,000

10,000

15,000

Middle Atlantic

20

80

3,000

5,000

6,000

10,000

15,000

East North Central

31

69

3,000

5,000

6,000

10,000

13,500

West North Central

21

79

3,333

5,000

5,000

10,000

10,000

South Atlantic

21

79

2,500

4,000

6,000

10,000

15,000

East South Central

86

2,500

5,000

6,500

10,000

15,000

West South Central

19

81

3,000

4,000

7,500

10,000

15,000

Mountain

33

67

5,000

5,000

7,500

10,000

15,000

Pacific

23

77

3,000

5,000

9,444

10,000

17,300

Footnotes:

1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note for further explanation.

2The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile, one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not meet publication criteria.